Updated: November 26, 2024
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In Santa Maria, California, Farmers is the best and cheapest choice for home insurance. For excellent customer service, Chubb is the better option.
These companies cater to different needs, so choose a provider based on what matters to you, like price, coverage or service quality.
Best HomeInsuranceSanta Maria, CATable of Contents
Why Trust MoneyGeek? We collected data from California's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Santa Maria.
Home insurance premiums in Santa Maria represent the most competitive rates as of September 2024.
Farmers is the best home insurance option for $100K dwelling coverage in Santa Maria, CA, with a MoneyGeek score of 85 out of 100.
Home insurance companies in Santa Maria have scores ranging from 47 to 85, according to MoneyGeek's scoring system. Scores vary based on factors like credit history and home age.
| Farmers | 85 | $282 |
| Travelers | 81 | $391 |
| Allstate | 80 | $315 |
| Chubb | 77 | $552 |
| Nationwide | 59 | $668 |
| State Farm | 55 | $740 |
| Capital Insurance Group | 47 | $573 |
Farmers is the best home insurance company in Santa Maria, CA, for $100K dwelling coverage due to its affordability and high customer satisfaction. The overall top providers are:
While cost is important, consider other factors, like service quality, which are crucial when making a claim.
Farmers stands out for its high affordability and customer satisfaction scores. Discounts, like the nonsmoker discount for households smoke-free for two years, help reduce premiums.
Farmers offers comprehensive home insurance with add-ons like matching siding coverage and a waiver of deductibles for glass damage. Key coverages include backup of sewer or drain, which covers water damage repairs, guaranteed replacement cost for exceeding policy limits, and cyber event/ID theft, which reimburses identity restoration expenses.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Santa Maria, CA. The top providers in this category are:
Chubb scores high for its exceptional customer satisfaction and comprehensive coverage, driving its top MoneyGeek score. Customers can rely on Chubb for top-notch service at an affordable rate of $552 annually.
Excellent service in home insurance means quickly resolving claims and providing clear and helpful communication.
Chubb scores highly on MoneyGeek for its strong customer satisfaction. If your property is less than 10 years old, you can save with the new home discount.
It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
Farmers is the best cheap home insurance company in Santa Maria, CA, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
Choosing the cheapest homeowner insurance may save money but often comes with lower coverage, potentially leaving you underinsured after an accident. The best cheap insurance providers, like Farmers, balance cost with excellent customer service.
Farmers is the best cheap option due to its affordability and customer satisfaction. Nonsmoker and protective device discounts help lower premiums; the latter applies if you install locks or alarms.
Farmers offers comprehensive coverage, including scheduled personal property and backup of sewer or drain. Key options include guaranteed replacement cost for extra repair expenses, cyber event/ID theft for identity restoration, and matching siding coverage to ensure repairs match your home's look.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 13, 2024
Several factors affect homeowners insurance in Santa Maria, with the location being significant. Comparing homeowners insurance rates in Santa Maria can save money but is time-consuming, taking up to 15 minutes per company. For three or more, it might take over an hour. MoneyGeek's home insurance calculator saves time by focusing on critical factors. Enter your age, dwelling coverage, credit score, deductible, liability coverage and other factors to get an estimate.
Farmers offers the lowest home insurance rates in Santa Maria, CA. Here are the cheapest overall providers:
A critical factor in home insurance premiums is the dwelling coverage selected. Farmers is the most affordable option for $100K coverage. However, Allstate offers the most cost-effective options for $250K and $500K coverages. While Farmers has a higher MoneyGeek score overall, Allstate provides better value for higher coverage amounts.
Getting the cheapest homeowners insurance in California can be a smart financial decision.
| Farmers | $282 |
| Allstate | $315 |
| Travelers | $391 |
| Chubb | $552 |
| Capital Insurance Group | $572 |
| Nationwide | $668 |
| State Farm | $740 |
Allstate is the best option for high-value home insurance in Santa Maria, CA. Homes that cost more to replace need high dwelling coverage, which raises home insurance costs.
Allstate is the cheapest option and has a high MoneyGeek score, making it a strong choice overall.
| Allstate | $1,586 |
| Travelers | $1,965 |
| Capital Insurance Group | $2,400 |
| Farmers | $3,034 |
| Chubb | $3,076 |
| Nationwide | $3,345 |
| State Farm | $3,603 |
Farmers offers the cheapest insurance in Santa Maria, CA, for new homes needing $100K in dwelling coverage.
While Farmers is the most affordable, it may not rank highest on other criteria compared to competitors. Ensure that you're adequately covered in any unforeseen events affecting your home.
| Farmers | $135 |
| Travelers | $210 |
| Allstate | $242 |
| Nationwide | $281 |
| State Farm | $369 |
| Capital Insurance Group | $372 |
| Chubb | $454 |
The best cheap homeowners insurance providers balance quality and cost, offering excellent customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles.
Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, assess your home's rebuilding costs, personal property value and liability requirements.
Research insurance companies in Santa Maria, CA. Seek those with financial stability, positive customer feedback and a history of reliable service.
Once your coverage needs are clear, compare home insurance quotes. In Santa Maria, CA, average annual premiums for $100K dwelling coverage range from $282 with Farmers to $740 with State Farm.
Inquire with each provider about discounts. These might include savings for bundling policies, installing safety systems or having a claims-free history.
Opting for a higher home insurance deductible can reduce your premium. Ensure it's an amount you can comfortably pay if needed.
Enhancing home security with alarm systems and strong locks can lower your risk profile and potentially decrease insurance costs.
A good credit score can influence your insurance rates. Pay bills promptly and manage your debt wisely.
Consider bundling your homeowners insurance with other policies, such as auto insurance, for significant savings and discounts.
The best cheap home insurance provider depends on your coverage needs and budget. Get answers to common questions about the best affordable insurance rates in Santa Maria, CA.
Santa Maria, California's average annual home insurance premium is $397.
The cheapest home insurance company in Santa Maria, California, is Farmers, with an average annual premium of $282.
Farmers provides the best home insurance in California for Santa Maria residents, with a MoneyGeek score of 85 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
